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The other day, I ran into my favorite drug store for a quick purchase. On my way out, the aisle I incidentally chose to use to walk toward the checkout counter turned out to be the seasonal aisle. Already, it was half-filled with a selection of marked down school supplies.

I’m still stuck in The Villages Rehab next to my apartment building at Churchill Estates, but I’m actually enjoying it. I’ve made friends with the therapists and interesting experiences have come out of it. I think you’ll enjoy what I’m about to tell you, as well.

Let me introduce you to my young friend and physical therapist, June, her American revised name.

This is something I have not done before in all my 19 years doing this column weekly. I am going to insert a direct quote from her. Here goes:

Regardless of whether you’re a man or a woman, Social Security will not— and was never designed to — provide all of the income you’ll need to live comfortably during retirement.
At best, your income from Social Security will supplement your other sources.

If you are factoring Social Security into your retirement plan, you should learn all you can about how to enhance your benefits, and how much income you may need from other sources, to be financially comfortable during your retirement years.

For women, however, there are some unique factors to consider in the equation.